<?xml version="1.0" encoding="UTF-8"?>
<tt xmlns="http://www.w3.org/ns/ttml"
      xmlns:tts="http://www.w3.org/ns/ttml#styling" xml:lang="en">
  <head>
    <styling>
      <style id="defaultSpeaker" tts:fontSize="12px" tts:fontFamily="Arial" tts:fontWeight="normal" tts:fontStyle="normal" tts:textDecoration="none" tts:color="white" tts:backgroundColor="black" tts:textAlign="left" />
      <style id="defaultCaption" tts:fontSize="12px" tts:fontFamily="Arial" tts:fontWeight="normal" tts:fontStyle="normal" tts:textDecoration="none" tts:color="white" tts:backgroundColor="black" tts:textAlign="left" />
    </styling>
  </head>
  <body style="defaultCaption" id="thebody">
    <div xml:lang="en">
      <p begin="00:00:00.00" end="00:00:01.32">[captioned by The Law, Health Policy and Disability Center]</p>
      <p begin="00:00:01.32" end="00:00:04.31"><span tts:fontSize="14px" tts:color="black" >John Rowe (Moderator):  So let me introduce to you all Chris Kuczynski</span></p>
      <p begin="00:00:04.31" end="00:00:12.73"><span tts:fontSize="14px" tts:color="black" >[Applause].</span></p>
      <p begin="00:00:12.73" end="00:00:13.91"><span tts:fontSize="14px" tts:color="black" >Chris Kuczynski:  Good morning.</span></p>
      <p begin="00:00:13.91" end="00:00:15.26"><span tts:fontSize="14px" tts:color="black" >Audience:  Good morning.</span></p>
      <p begin="00:00:15.26" end="00:00:20.04"><span tts:fontSize="14px" tts:color="black" >Chris Kuczynski:  How often do we run ahead. I was supposed to be from eleven, or ten to eleven</span></p>
      <p begin="00:00:20.04" end="00:00:22.73"><span tts:fontSize="14px" tts:color="black" >and I think it's about five of ten according to my watch,</span></p>
      <p begin="00:00:22.73" end="00:00:28.67"><span tts:fontSize="14px" tts:color="black" >I don't know whether that means I should finish at five of eleven or that I get an extra five minutes.</span></p>
      <p begin="00:00:28.67" end="00:00:33.45"><span tts:fontSize="14px" tts:color="black" >As anybody that's heard me speak knows I will fill it up if I'm given the five minutes</span></p>
      <p begin="00:00:33.45" end="00:00:35.09"><span tts:fontSize="14px" tts:color="black" >[Laughter].</span></p>
      <p begin="00:00:35.09" end="00:00:39.12"><span tts:fontSize="14px" tts:color="black" >But I do want to talk about a number of issues under the ADA,</span></p>
      <p begin="00:00:39.12" end="00:00:43.14"><span tts:fontSize="14px" tts:color="black" >"What every employer should know" is what I'm supposed to talk about.</span></p>
      <p begin="00:00:43.14" end="00:00:46.98"><span tts:fontSize="14px" tts:color="black" >And I'm going to do that and I'm going to hopefully save time for questions,</span></p>
      <p begin="00:00:46.98" end="00:00:54.18"><span tts:fontSize="14px" tts:color="black" >but I do understand that there will also be a panel during the lunch and</span></p>
      <p begin="00:00:54.18" end="00:00:57.73" style="defaultSpeaker" ><span tts:fontSize="14px" tts:color="black" >that there will be an opportunity also to continue the discussion.</span></p>
      <p begin="00:00:57.73" end="00:01:03.71"><span style="defaultSpeaker" >But I'm hoping that we can get one started also during the course of my remarks. So,...</span></p>      
    </div>
  </body>
</tt>